Updated · Mike Certo, NMLS #260555
Georgia Real Estate Agent Lender Partner
Georgia real estate agents work in an attorney-state where lender + attorney + agent + title insurance coordination determines whether a deal closes on time. Mike Certo helps Georgia agents close the complex files, with strong attorney-coordination habits.
Why Georgia real estate agents refer to Mike
- Attorney-closing coordination: Mike works with Georgia closing attorneys consistently — pre-clearing title issues, confirming wire timing, hitting recording deadlines.
- CCBS rescue: Buyer's offer is Contract Contingent on Buyer Sale. Mike's bridge structure removes the contingency.
- Self-employed Georgia buyers: NonQM bank statement, P&L only, asset qualifier — Georgia has high self-employed buyer concentration in Atlanta metro.
- Jumbo Georgia buyers: Full-doc, alt-doc, super-jumbo, Medical Professionals jumbo for Atlanta-area physicians (Emory, Piedmont, Northside, CHOA).
- VA buyers: Georgia has heavy veteran presence — Fort Eisenhower (Augusta), Fort Benning (Columbus), Robins Air Force Base, Atlanta veteran corridors. Mike has high VA loan experience.
- Investor and STR financing: DSCR financing for Georgia rental property.
Attorney coordination playbook
- At contract: Agent confirms closing attorney; agent shares attorney contact with Mike
- Underwriting: Mike preps file with attorney-coordination notes
- Title work: Attorney begins title search; flags issues early
- Clear-to-close: Mike sends complete loan package to attorney 48+ hours before closing
- Closing day: Mike confirms wire ETA with attorney; attorney confirms recording post-signing
Georgia VA deal specifics
Georgia has the 8th-largest veteran population in the US. Major military installations include:
- Fort Eisenhower (formerly Fort Gordon) in Augusta — Army Signal Corps + Cyber Command
- Fort Benning In Columbus — Army Maneuver Center of Excellence
- Robins Air Force Base In Warner Robins — Air Force Materiel Command
- Atlanta metro — large dispersed veteran population
Mike handles VA refinance, IRRRL, VA cash-out, and VA purchase loans across all Georgia VA-eligible scenarios.
RESPA-compliant co-marketing
Mike co-markets with Georgia real estate agents in RESPA-safe ways:
- Joint educational content (with proper attribution)
- Shared community engagement (open houses, agent-buyer education)
- Appropriate fair-market-value cost-sharing arrangements documented per RESPA standards
What we do NOT do: kickbacks, things of value in exchange for referrals, or any arrangement that violates RESPA Section 8.
Communication expectations
- 20-minute initial scenario review (not a 5-day callback)
- Pre-approval letters in 3-7 days after document submission
- Direct loan-officer access throughout the file — not a call-center experience
- Real-time loan status updates so agents know where each file stands
- Coordination with Georgia closing attorneys on timing and wire
Submit a scenario
If you have a Georgia buyer scenario you'd like Mike to review, submit through the form below or call. Most scenarios get a yes/no/maybe answer within the 20-minute initial call.
Related
FAQ
Does Mike work with all Georgia real estate agents?
Yes. Mike works with any Georgia real estate agent representing a buyer who needs Cornerstone financing. No exclusive arrangements required.
Can Mike work with the buyer's preferred Georgia closing attorney?
Yes — Mike works with whichever closing attorney the buyer/agent selects. Mike maintains good working relationships with attorneys across Georgia.
How fast can Mike issue a pre-approval letter on a CCBS rescue?
Typically 3-7 days after complete buyer documents arrive.
Does Mike work statewide Georgia or just specific regions?
Statewide. Mike has worked files in Atlanta metro, Augusta, Columbus, Savannah, Macon, and smaller markets statewide.